Does the insurance cover the damage or loss of my tires?
Does the insurance cover the damage or loss of my tires? It’s a big setback to find your vehicle’s tire flat and even worse, to discover your car on four bricks because someone stole the tires. No one doubts that punctures are inherent risks of having a car or that the wheels can be stolen, the question that arises is: Are the tires covered by car insurance?
The answer is: Yes. If your car insurance includes collision and comprehensive policies and you get a flat tire when you drive over a nail, the damage will be covered. What happens is that you will always have to pay the deductible that appears in your contract. If your deductible is equal to or higher than the price of your wheel repair, you better not report it to your company. Because you’ll end up paying for the repair anyway.
Of course, if your tire loses air on the road and you have a roadside assistance service, the insurance will cover the assistance. That is, towing your vehicle to a garage or sending someone to replace your tire on the spot. But you will have to pay the cost of the tire or repair if it is less than the deductible.
If you have a comprehensive policy and when you approach your car, you find it on four bricks because all four wheels have been stolen, your insurance will cover the replacement of the tires. Remember that, when making the insurance claim, you must accompany it with a copy of the police report of the theft report.
In short, the necessary coverages to have the wheels protected are collision and comprehensive. However, if the price of repairing the damage suffered is less than the deductible in your contract, it is often not worth giving the insurance company a report. Unless you need assistance. Does the insurance cover the damage or loss of my tires?